Always interesting reading this coming from another country. I gotta say, i’m a bit envious of the fact that you’re able to save roughly $5k a month (Judging from your graph) 6 months after starting your first job. I barely make that, graduating with a bachelors in EE and a masters in embedded system design, and with a higher-than-average salary for my amount of experience.

With that said, what you say about personal finance is so important. At a savings rate of 25–30%, i’ll be set in the long run, and considering how pensions are developing, personal savings will be the number one contributor to how we can lead our life in the later years.